Real Estate Investing in Schertz, Texas (78154)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 78154 (Schertz, TX)? Our answer, based on the numbers below.
Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
No major risk flags on the data we track.
What’s happening in Schertz, TX (78154)?
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Market Analysis: 78154 Schertz
From an investor standpoint, ZIP 78154 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $309K median. It rewards specialists, not generalists.
Rent of $1,666/mo on a $309K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 78154 sits below the stated 0.0% once reality is priced in.
The gap between 78154 and stronger Schertz ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
Resident income in 78154 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
appears to the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.
Here's what matters if you're considering buying a home in Schertz:
Property Strategy for 78154
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $175,801 | $1,820 | 7.5% | +4.2% | $87,901 |
| 3BR | $278,711 | $2,330 | 6.0% | +4.6% | $92,904 |
| 4BR | $357,863 | $2,720 | 5.5% | +5.2% | $89,466 |
| 5BR | $458,431 | — | — | +5.6% | $91,686 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 78154 Compare?
| Metric | 78154 | Schertz | San Antonio-New Braunfels, TX | Texas |
|---|---|---|---|---|
| Home Value | $308,767 | $308,767 | N/A | $297,000 |
| 5-Year CAGR | 1.9% | 1.9% | N/A | 5.4% |
| Avg Rent | $1,666 | $1,666 | N/A | - |
| Cap Rate | 4.2% | 4.2% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 78154 (Schertz, TX). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $308,767 |
| Monthly Rent | $1,666 |
| Price-to-Rent | 15.5:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.5% |
| Cap Rate | 4.2% |
| 5-Year IRR | 6.1% |
📈 Home Appreciation
| 1-Year | -0.9% ▼ |
| 3-Year CAGR | -2.4% ▼ |
| 5-Year CAGR | +1.9% ▲ |
| 10-Year CAGR | +3.8% ▲ |
🏠 Rent Trends
| 1-Year | +3.3% ▲ |
| 3-Year CAGR | +0.5% ▲ |
| 5-Year CAGR | +3.3% ▲ |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.2%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 78154
Population: 40,898
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 78154
Schools in This ZIP Code
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Investor Insight: With 1,967 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
What are home prices like in Schertz, TX?
The median home value in Schertz, TX is roughly $309K. That puts it reasonable relative to the TX statewide average.
Is TX a landlord-friendly state?
The landlord environment in Schertz, TX is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.
Are tenants stable in Schertz, TX?
Working renters make up the core of the Schertz, TX tenant base. The pool is reasonable for investors targeting long-term holds.
Does a duplex house hack pencil in Schertz, TX?
For house hackers, Schertz, TX is a challenging. The $1,666/mo rent on a unit helps defray the mortgage on a $309K property.
What are rental rates like in Schertz, TX?
Rental rates in Schertz, TX average $1,666/mo. Tenant demand and $309K home values make the yield look reasonable by investor standards.
You know 78154 now. You don’t know where it ranks.
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How 78154 ranks in San Antonio-New Braunfels, TX
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